No monthly maintenance charge if minimum daily balance, on any day of the statement cycle, of five thousand dollars ($5,000) is maintained in this account or a combined balance, on any day of the statement cycle, of ten thousand dollars ($10,000) is maintained in your Steuben Trust Company checking, savings, and CD accounts.

You must deposit a minimum of $25.00 to open account.

A monthly maintenance charge of $7.00 will be imposed every statement cycle if the daily balance on any day of the statement cycle in the account falls below $5,000.00 or if the daily balance falls below $10,000.00 on combined accounts on any day of the statement cycle.

You must maintain a minimum daily balance of $1,500.00 in the account each day to obtain the disclosed annual percentage yield. You will earn interest for every day during the period that your account equals or exceeds the minimum daily balance requirement.

An inactive account fee of $5.00 per month after 12 months of inactivity will be charged until the account closes or account becomes dormant.